Thursday, 9 February 2017

Who helps deal with your claim

Being involved in a legal claim can be very stressful it's important to know high quality legal expertise will be available to make the process as smooth and straightforward as possible.

Rob McArthur, our Claims Controller, discusses what happens if a policyholder needs legal representation following a claim. He also talks us through the importance of independent legal representation from solicitors who are experts in the area concerned, in ensuring the best possible outcome for our customers.

If you would like more information about our Claims department or you need a claims form please click here

Friday, 3 February 2017

Fantastic result for our charity last year : we have raised £4483.13 !

Thanks everyone for their generous donations last year.

Through a combination of raffles, cake sales, bacon rolls, mufti money, 10k run and company contributions we have raised £4483.13 for Ronald McDonald House, Bristol.
We also bought a Wendy house for the children and supplied advent calendars at Christmas.  

Ronald McDonald House, Bristol are a wonderful charity and are endlessly grateful for the support they have received from ARAG. They have awarded us the honour of a golden plaque outside of one of the 21 bedrooms in the house as a thank you.

Our new charity for 2017 is currently under consideration. In the interim we continue to support Ronald McDonald House.

Thursday, 19 January 2017

Extending our ISO

At the end of last year due to the great efforts of its Internal Audit Team, ARAG plc successfully extended its ISO27001:2013 Certification from its Bristol office location to encompass its new London office location. The London office was opened at the beginning of last year to service the specialist City business.

CFO Bob Moreton congratulated the team of Frances Box, Nigel Sobers, Jordan Wall, David Caines, Jo Graham and Ben Parkinson who are drawn from a variety of departments within the organisation and who managed to juggle their ISO duties with the "day job" of looking after customers.  Khoo Kah Liang, a Manager in the IT Department, provided technical support and expertise. This enhanced certification reinforces the company's commitment to protecting customer personal data and business partner’s confidential information.

Thursday, 15 December 2016

Thanks for all the Feedback!

We were thrilled to win two more awards at this year’s Underwriting Service Awards ceremony, held in London last month. This would not have been possible without the input of all the brokers who took the time to vote and provide their comments on our service, in total 650 insurance brokers contributed towards the awards.

Being voted both Legal Expenses Team of the Year and MGA Team of the Year is an honour, of course, but the feedback we get from these awards is even more important to ARAG, as it helps us to improve our service even more. So, a big thanks to everyone who participated.   

What you thought of our service
We were really pleased to see that over half (52%), of you use ARAG for your legal expenses insurance, which means a lot of high quality feedback for us. These are a few highlights from the answers that you gave:

The last thing we want to do is take your support for granted. We will study all the comments that you left and see where we can improve. In pursuit of better customer service, we have already restructured our claims department to adapt to the changing regulatory and legal landscape and ensure we can meet customer expectations now and in the future.

Wednesday, 14 December 2016

Dramatic rise in money claims sign of rising debt

The Government has just released scores on the doors for County- Court civil (non-family) cases in England and Wales for July to September.

The number of cases "dealt with" stood at almost half a million – an increase of around 24% on the same the previous year. This is the highest quarterly total since 2008, and is driven entirely by an increasing trend in specified money claims being issued at the County Court Business Centre (CCBC).
Specified Money claims
91% of claims were money claims. These claims can be filed on line and are then issued in bulk by the County Court Business Centre (CCBC) in Northampton.
The number of claims  "issued" is reflective of the volume of claims filed and the increase in claims  is of concern since it is a gauge of the number of debt recovery contract and property damage disputes (amongst other claim types) being pursued.
Household debt is rising 
The governor of the Bank of England, Mark Carney, has given a warning about the high level of debt in UK households. In particular he said that consumers were borrowing more on their credit cards and other unsecured debt. Figures showed that credit card lending is at a record level, up by £571m in the last month. 

Non-specified Money claims
9% of claims were non-specified money claims – which were mainly personal injury claims. Despite protestations about ever –increasing volumes of whip-lash cases, the number of non- specified Money claims reduced by 8% compared to the same quarter in 2015.
Early help to chase debts
Once they have registered to use our on-line legal services Essential Business Legal policyholders can create a series of useful debt recovery letters which can be effective in avoiding arrears accruing. Our legal document website has smart software that allows the user to populate the letters by prompting for required information in response to simple questions. Guidance notes are available to help with this process and there is a progress bar which shows how much of the process has been completed.
The first letter in the series is a polite reminder. If no agreement to pay is received after a couple of weeks the second letter can be sent to the debtor. The third letter is a final demand which can be used as a "letter before action" if the customer still refuses to pay the sum(s) owed. Users should select "Money Claims on-line" when they get to a question about filing a claim .The documents are so smart that they allow the user to automatically calculate and add interest for late payment.
We would recommend that policyholders retain evidence that they have sent the letter(s) – either by retaining confirmation of recorded delivery or e-mail receipt. When all attempts to collect have been exhausted, policyholders can download a claim form (from the legal services website, or from our company website). This should be completed and sent to us with evidence of sending the debt recovery letters. We will validate the claim and instruct a lawyer under the terms of our Insured's LEI policy to pursue the debt. 

Final words from me…. Debts are increasing…. Get your ARAG policyholders to register for on-line legal services. It could prevent debts escalating but if it becomes necessary to pursue legal action you have them covered!